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Self Improvement

How I Broke Free From The Rat Race (in less than 2 years)

written by Bob Lotich, CEPF® | Saving Money, Career & Work, Debt Help, Making Money, Managing Money

A little over a year ago I ventured out into self-employment after spending much of the previous decade in the “Rat Race”. For most of that time I was a glorified pencil-pusher in the corporate abyss of a Fortune 500 company.
Now that I have spent over a year working for myself I can’t imagine doing anything else. For as trapped and held down as I felt before, I feel the opposite extreme of the joy of freedom. Just to be clear, self-employment has it’s own challenges and difficulties, but I honestly think they pale in comparison to what I went through while spinning my wheels in the Rat Race.

I Remember

written by Bob Lotich, CEPF® | Budgeting, Debt Help, Managing Money, Simplify

I Remember...

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card. I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes…

9 of the Best Money Habits of the Wealthy

written by Kevin Mercadante | Debt Help

9 of the best money habits of the wealthy

While it’s tempting to believe that wealth is about being lucky, the reality is that it’s mostly about using God-given wisdom and developing the smart money habits. If you can do that, and avoid too many foolish mistakes with your money, there’s a very good chance that you will have more money than you need. […]

10 Ways to Keep your Cell Phone from Running Your Life

written by Guest | Saving Money

10 ways to keep your cell phone from running your life

For many of us, our smartphone is the greatest productivity tool we’ve ever owned. Apps like Todoist, Evernote, and Dropbox make it easier than ever to plan, stay organized, and keep track of our lives. At the same time, our cell phone can be one of our greatest enemies. An interruption from a cell phone […]

30 Motivational quotes to make it an Awesome day!

written by Dawn | Saving Money

30 motivational quotes to make it an awesome day

We all need a little encouragement from time to time. And, if today is a day where you’re needing some motivation, you’ve come to the right place. Let us help you start your day off with an inspiring quote or two (or thirty)! Tackle that day, ignite those dreams and be the change you want […]

12 Inspiring Quotes that will help you through even the worst days

written by Jen | Saving Money

12 inspiring quotes that will help you through even the worst days

Having a bad day? Things will get better.  Know that you can make it and that you are not alone! If you are having tough days lately, we want to inspire you with these 12 quotes that will help you through the worst days.

5 lessons from the garden about fruit bearing

written by Bob Lotich, CEPF® | Biblical Personal Finance

fruit-bearing

Who doesn’t want to be more loving, joyful, at peace, patient, kind, full of goodness, faithful, gentle, and self-controlled? Each of those are the fruit that the Bible says we should be bearing (John 15:16). I know I would love to see each one of those more in my own life – wouldn’t you? So, what do we need to do to bear more fruit?

14 quotes to help you stay out of debt

written by Jen | Saving Money

Staying out of debt (and then getting out of debt) can be hard. There is always something tempting us to spend our money… even when we don’t have money to spend. We need to remind ourselves that it is ok to NOT buy every new thing that is advertised. We can live with less and still […]

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Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

Legal Disclaimer

The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

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